Replacing or upgrading home comfort equipment is a major investment, and financing can make it easier to move forward without delaying needed work. Whether you are planning a new HVAC installation, replacing aging equipment, or investing in a larger home comfort upgrade, flexible financing options can help you spread costs over time while restoring comfort and efficiency.
KCA Services offers financing options for qualified homeowners so you can choose a payment solution that fits your project and budget. Review the financing programs below to learn more about each lender, compare your options, and apply securely online.
Synchrony
Synchrony is one of the nation’s premier consumer financial services companies. Its roots in consumer finance trace back to 1932, and today it is the largest provider of private label credit cards in the United States based on purchase volume and receivables.
Synchrony financing can help qualified homeowners move ahead with important home comfort projects while spreading costs over manageable monthly payments. This option is ideal for homeowners looking for a simple application process and fast credit decisions.
- A simple application process, and fast credit decisions
- Unsecured, revolving credit lines
- Promotional financing options1
- Convenient monthly payment options
- Online account management
1. Subject to credit approval. Minimum monthly payments are required. See store for details.
For all promotions: Qualifying purchases must be made with your Home Design credit card issued by Synchrony Bank and a $29 account activation fee will apply and be charged at the time the first purchase posts to the account. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.
Wells Fargo Home Projects®
The Wells Fargo Home Projects® credit card is issued with approved credit by Wells Fargo Bank, N.A. This financing option can help qualified homeowners invest in select equipment upgrades with predictable monthly payments and longer financing terms.
If you are considering a qualifying Trane system upgrade, Wells Fargo financing may provide the flexibility you need to move forward now and pay over time.
60 Month Financing with Approved Credit
*Applies to Wells Fargo financing. Only on deluxe and above Trane equipment. No discounts available. Restrictions apply. Call for details.
Apply for Wells Fargo Financing
Service Finance
Service Finance offers another convenient financing solution for homeowners who want to compare lenders and choose a payment plan that fits their installation or replacement budget. This can be a helpful option for larger projects where flexibility matters.
Applications are completed securely online, making it easy to review your options and take the next step toward improving your home comfort system.
Apply Today with Service Finance
Choose the Financing Option That Fits Your Project
Every home and every installation is different. Some homeowners are replacing older equipment before it fails, while others are upgrading for improved efficiency, comfort, and reliability. Financing can help you move forward with the work you need now instead of postponing important improvements.
KCA Services is committed to helping homeowners find practical solutions for home comfort investments. If you have questions about financing, available options, or qualifying equipment, our team is here to help you understand the next steps and choose the right path for your budget.
Questions About Financing?
Contact KCA Services to learn more about available financing options, qualifying equipment, and current promotions. Our team can help you compare your options and move forward with confidence.

